Insurance

Insurance

Insurance for the University of Worcester is dealt with by Finance. We arrange cover for the University’s building, contents, equipment and motor vehicles in addition to insuring activities undertaken by staff and students on behalf of the University, including overseas travel.       

On this page, guidance can be found in relation to:
· Students frequently asked questions about insurance
· The University’s Employers’, Public and Professional Indemnity Insurance policies
· University related travel
· Motor insurance
· Student placements 

If you have any further questions relating to insurance, please contact the University’s Insurance Team: Andrea Marshall on ext. 2634 or Judith Wild on ext. 2206.

Students frequently asked questions about insurance
The attached table provides advice to students regarding insurance: Student Insurance Table

Employers’, Public Liability and Professional Indemnity Insurance Policies
By law, employers are required to insure their liability to their employees in respect of personal injury, disease or death sustained in the course of their employment in Great Britain. The University has such cover. The term ‘employee’ includes HPL’s, unpaid volunteers, trainees and those on work experience (including school children).

The Public Liability policy protects the University from paying legal fees and settlement costs (in situations where the University is found to be legally liable of negligence which has caused death, personal injury or property damage to another party). The actions of employees and students of the University are protected by this insurance whilst they are engaged on University business.

The University has product liability insurance for activities insurers have been made aware of.

The University’s Insurance Cover for Employers’, Public Liability and Professional Indemnity Insurance for the Academic Year 2017/18 is provided by QBE Insurance (Europe).   Please find attached documents that provide evidence that the University has these policies in place. Copies of these documents may be sent to third parties, if required.

Certificate of Employers' Liability Insurance

To Whom It May Concern 2017/2018 Letter (This provides details of our Employers' Liability and Public Liability Insurance policies)

To Whom It May Concern 2017/18 (PI) Letter (This provides details of our Professional Indemnity Insurance policy)

Insurance for University-related Travel
All information regarding travel on behalf of the University as a student or employee is located on the following Personnel pages: www.worc.ac.uk/personnel/713.htm (Field Trips & International Travel)

The Overseas Travel Risk Assessment form can also be found here. Please note that the University only provides overseas insurance cover when an Overseas Travel Risk Assessment form has been completed and returned to the Insurance Team, who will then issue you with travel insurance documents.

Please note that the University reserves the right not to provide cover for high value personal items, such as pieces of jewellery, mobile phones, laptops and tablets. If you are intending to take individual items that are worth more than £500 on a University trip please contact the Insurance Team before travel. Should a personal item need to be claimed for, where there are personal policies in place (such as household insurance or a mobile phone contract) these should be claimed against first. 

Motor Insurance

Driving your own vehicle
If you use your own vehicle for University business and wish to claim expenses for mileage, you will need to have business use as part of your personal insurance policy. If in doubt, contact your insurance company. The University does not provide motor insurance cover for private vehicles. In order to be able to claim for mileage, you will need to complete a Work Related Drivers Questionnaire and return it to Payroll, payrollteam@worc.ac.uk 

Driving vehicles owned by the University
The University’s motor insurance policy covers staff, students and third parties when they drive University vehicles with the permission of the University on University business and have the correct category on their driving licence to drive that particular vehicle. Before you drive a vehicle owned by the University, you should complete the Work Related Drivers Questionnaire and provide evidence that your driving licence covers you to drive that particular vehicle as per the instructions at the top of the questionnaire. The completed questionnaire then needs to be returned to j.wild@worc.ac.uk

If you are involved in an accident when driving a vehicle owned by the University, please take comprehensive photographs of the damage and complete a Motor Accident Report Form, on the day of the damage occurring (or the next working day if it is in the evening/weekend) and send it to the Insurance team. If appropriate, the Insurance Officer will then report the accident to the Insurers and be given a reference number. 

Hiring Vehicles with a Driver
The University does not provide motor insurance cover when hiring in vehicles with a driver, e.g. coaches. The company that is providing the vehicle and driver should be on the University’s approved supplier list. Our Purchasing team will have verified that the company holds the relevant motor insurance policies during the tender process.

Hiring Vehicles without a Driver
The University’s motor insurance policy covers staff, students and third parties when they drive vehicles hired in the name of the University with the permission of the University on University business, and have the correct category on their driving licence to drive that particular vehicle. Before you drive a vehicle owned by the University, you should complete the Work Related Drivers Questionnaire and provide evidence that your driving licence covers you to drive that particular vehicle, as per the instructions at the top of the questionnaire. The completed questionnaire then needs to be returned to j.wild@worc.ac.uk

What to do when collecting hire cars and vans:
Please check the exterior of the vehicle thoroughly before you get in and drive. Make a note of any marks, scratches and dents and take photographs as evidence. These should be reported to your Departmental Administrator or ASU Manager before you leave the campus, who should then inform Purchasing,
purchasing@worc.ac.uk

What to do when returning hire cars and vans:
When finished with the vehicle, return it to Car Park C (Woodbury). Check the vehicle for any damage. Any damage should be reported to your Departmental Administrator or ASU Manager immediately, who should then inform Purchasing,
purchasing@worc.ac.uk

ALL damage to the vehicle must be photographed as evidence for any claims that might be made. In addition, the Motor Accident Report Form needs to be completed and returned to j.wild@worc.ac.uk 

Should you be in a motor accident, or cause damage to the vehicle:
You will need to take comprehensive photographs of the damage and complete a
Motor Accident Report Form on the day of the damage occurring (or the next working day if it is in the evening/weekend) and send it to the Departmental Administrator or ASU Manager who booked the hire car. They will need to pass this information on immediately to Purchasing, purchasing@worc.ac.uk If appropriate, the Insurance Officer will then report the accident to the Insurers and be given a reference number. 

Please refer to the Vehicle Damage Procedure Checklist if in doubt. 

Students using their own vehicle to drive to placements
If you use your own vehicle to drive to a placement regardless of whether the University reimburses your costs, it is important that you check that your motor insurer will cover the trips under a social and commuting use policy. If not, you will need to take out additional business use cover.

Student Work Placement Insurance
As part of the University's duty of care to its students we need to ensure that employers who take students on work experience or placements have sufficient Employers’ Liability and Public Liability Insurance. Depending on the type of placement, Professional Indemnity Insurance may also be required. The indemnity limits expected for such insurance should be in general at least £5 million, preferably £10 million.

In order to demonstrate that we have fulfilled our duty of care we are required by insurers to obtain copies of the Certificates of Insurance or a letter from the employers’ Insurance Brokers/Insurers confirming the policy details and indemnity limits (commonly known as a “To Whom it may Concern” letter). 

Further detailed guidance regarding placements and insurance can be found in the Work Placements Insurance guidance

Advice relating to placements undertaken by students within the Institute of Health and Society can be found in the IHS UK Placement Flowchart

Advice relating to overseas placements can be found here: Overseas Flowchart